Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership. 0% intro APR on purchases for 12 months, flexibility to pay over time. Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases. NO spend minimum, NO enrollment, and NO rotating rewards categories. Get a $25 Referral Bonus for each friend or family member who is approved for the Card. No annual fee, flexibility to pay over time.